First Financial Bank Mortgage Rates, Fees & Info
Cincinnati, OHLEI: MV4O55SH8HO6KQSGW013
Tax ID: 31-0308605
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
First Financial Bank is a small bank specializing in Home Purchase and Refi loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Cincinnati, Columbus, Indianapolis, Louisville/jefferson County, and Chicago among others. First Financial Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First Financial Bank is typically a low fee lendor.Originations
9,139Origination Dollar Volume (All Markets)
$1,625,595,000Employee count
1,994Awards
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First Financial Bank - 2021
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Relative Rate
First Financial Bank's average 30 year fixed rate mortgage of loans were
2.92%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.23%.
Relative Fees
First Financial Bank's average total fees for a 30 year fixed rate
mortgage are $2,956.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2,473 | $370,125,000 | $149,666 | $2,665 | 2.79% |
| COLUMBUS, OH (FHA|USDA|VA) | 1,161 | $308,175,000 | $265,439 | $3,401 | 2.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 872 | $165,180,000 | $189,427 | $2,385 | 2.81% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1,094 | $159,250,000 | $145,567 | $2,240 | 2.39% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 498 | $84,090,000 | $168,855 | $2,531 | 2.81% |
| Outside of Metro Areas | 616 | $72,270,000 | $117,321 | $2,376 | 2.86% |
| COLUMBUS, IN (FHA|USDA|VA) | 361 | $62,255,000 | $172,452 | $2,467 | 2.91% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 314 | $58,780,000 | $187,197 | $3,099 | 2.89% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 25 | $44,675,000 | $1,787,000 | $4,653 | 3.18% |
| Madison, IN (FHA|USDA|VA) | 270 | $29,030,000 | $107,519 | $2,312 | 2.96% |
| Richmond, IN (FHA|USDA|VA) | 244 | $23,080,000 | $94,590 | $2,243 | 2.80% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 65 | $19,235,000 | $295,923 | $2,929 | 2.69% |
| Richmond-Berea, KY (FHA|USDA|VA) | 5 | $17,865,000 | $3,573,000 | $4,340 | 3.04% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $16,065,000 | $5,355,000 | $0 | 3.03% |
| Greensburg, IN (FHA|USDA|VA) | 122 | $14,960,000 | $122,623 | $1,804 | 2.85% |
| AKRON, OH (FHA|USDA|VA) | 9 | $11,675,000 | $1,297,222 | $4,080 | 2.87% |
| Seymour, IN (FHA|USDA|VA) | 72 | $10,450,000 | $145,139 | $2,384 | 2.79% |
| Frankfort, KY (FHA|USDA|VA) | 66 | $10,000,000 | $151,515 | $2,997 | 2.99% |
| North Vernon, IN (FHA|USDA|VA) | 89 | $9,145,000 | $102,753 | $2,155 | 2.64% |
| Connersville, IN (FHA|USDA|VA) | 92 | $8,750,000 | $95,109 | $2,232 | 2.89% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 74 | $8,270,000 | $111,757 | $1,818 | 3.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $7,340,000 | $917,500 | $7,146 | 3.22% |
| Celina, OH (FHA|USDA|VA) | 46 | $6,400,000 | $139,130 | $2,988 | 2.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $5,545,000 | $1,109,000 | $7,441 | 3.25% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $5,405,000 | $5,405,000 | $0 | 3.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 16 | $5,330,000 | $333,125 | $4,279 | 2.95% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $4,740,000 | $592,500 | $4,451 | 3.14% |
| Van Wert, OH (FHA|USDA|VA) | 43 | $4,375,000 | $101,744 | $3,017 | 3.01% |
| KANKAKEE, IL (FHA|USDA|VA) | 40 | $3,730,000 | $93,250 | $2,248 | 3.12% |
| New Castle, IN (FHA|USDA|VA) | 41 | $3,345,000 | $81,585 | $2,089 | 3.20% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $3,195,000 | $456,429 | $5,225 | 3.09% |
| TOLEDO, OH (FHA|USDA|VA) | 8 | $2,900,000 | $362,500 | $3,145 | 3.03% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 17 | $2,715,000 | $159,706 | $2,538 | 3.33% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,675,000 | $382,143 | $5,359 | 2.98% |
| Scottsburg, IN (FHA|USDA|VA) | 18 | $2,470,000 | $137,222 | $2,097 | 3.26% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 16 | $2,450,000 | $153,125 | $2,647 | 2.72% |
| Wilmington, OH (FHA|USDA|VA) | 22 | $2,450,000 | $111,364 | $2,642 | 2.97% |
| Crawfordsville, IN (FHA|USDA|VA) | 28 | $2,250,000 | $80,357 | $1,069 | 2.90% |
| Warsaw, IN (FHA|USDA|VA) | 4 | $2,160,000 | $540,000 | $3,352 | 3.00% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 4 | $2,040,000 | $510,000 | $4,786 | 3.25% |
| Wapakoneta, OH (FHA|USDA|VA) | 17 | $1,975,000 | $116,176 | $1,848 | 2.95% |
| Mount Vernon, OH (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $4,116 | 3.34% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $6,432 | 3.10% |
| Fremont, OH (FHA|USDA|VA) | 19 | $1,735,000 | $91,316 | $2,448 | 3.10% |
| Bellefontaine, OH (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $3,045 | 2.95% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $4,356 | 2.92% |
| Bedford, IN (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $5,634 | 2.31% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $6,422 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $3,834 | 2.93% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $0 | 2.47% |
| Greenville, OH (FHA|USDA|VA) | 8 | $1,140,000 | $142,500 | $3,342 | 2.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $4,225 | 3.17% |
| Decatur, IN (FHA|USDA|VA) | 11 | $1,035,000 | $94,091 | $2,181 | 2.77% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $8,701 | 3.38% |
| MUNCIE, IN (FHA|USDA|VA) | 10 | $970,000 | $97,000 | $1,792 | 3.24% |
| Angola, IN (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $5,593 | 4.00% |
| Key West, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,192 | 3.67% |
| Chillicothe, OH (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $4,479 | 3.31% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $4,362 | 3.50% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $5,996 | 3.38% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $4,119 | 2.92% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,152 | 3.36% |
| Frankfort, IN (FHA|USDA|VA) | 10 | $750,000 | $75,000 | $1,588 | 3.12% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $3,339 | 2.75% |
| Danville, KY (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $3,022 | 2.60% |
| Marion, OH (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,153 | 3.47% |
| Campbellsville, KY (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $1,419 | 3.08% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,713 | 3.00% |
| Zanesville, OH (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $2,795 | 3.72% |
| Wabash, IN (FHA|USDA|VA) | 11 | $645,000 | $58,636 | $1,824 | 2.85% |
| DANVILLE, IL (FHA|USDA|VA) | 11 | $635,000 | $57,727 | $2,550 | 2.61% |
| OWENSBORO, KY (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,142 | 2.56% |
| LIMA, OH (FHA|USDA|VA) | 7 | $595,000 | $85,000 | $2,382 | 2.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,789 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,218 | 2.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,620 | 3.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 3.75% |
| Athens, OH (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,471 | 3.38% |
| Marietta, OH (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,113 | 2.43% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 3.75% |
| NILES, MI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,429 | 3.06% |
| Somerset, KY (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,355 | 2.29% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $1,783 | 3.21% |
| OCALA, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,224 | 3.25% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,042 | 3.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,350 | 3.00% |
| Adrian, MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,269 | 2.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,805 | 3.50% |
| KOKOMO, IN (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $1,865 | 2.64% |
| Tiffin, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,380 | 3.21% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,576 | 3.13% |
| Sidney, OH (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $1,739 | 2.48% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,286 | 2.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,919 | 3.56% |
| London, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.50% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,724 | 3.38% |
| Findlay, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,906 | 3.25% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,618 | 3.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,453 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,235 | 3.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $1,764 | 2.09% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,111 | 2.88% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,822 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 1.99% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,578 | 3.13% |
| Urbana, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,575 | 3.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,762 | 3.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,575 | 3.25% |
| Wooster, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,313 | 3.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,240 | 2.94% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,362 | 1.51% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,717 | 2.25% |
| Coshocton, OH (FHA|USDA|VA) | 4 | $170,000 | $42,500 | $3,291 | 4.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,779 | 3.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,464 | 3.38% |
| Peru, IN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $907 | 2.37% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,575 | 2.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,719 | 2.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,515 | 2.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,891 | 4.13% |
| Marion, IN (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $1,288 | 2.34% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,387 | 3.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,918 | 3.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 1.99% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,444 | 3.00% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $808 | 1.51% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,555 | 3.25% |
| Ashland, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,842 | 3.88% |
| Logansport, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,139 | 3.50% |
| Crossville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,928 | 2.50% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,967 | 2.63% |
First Financial Bank's top markets include Cincinnati, Columbus, Indianapolis, Louisville/jefferson County, and Chicago among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 8,895 | $1,579,935,000 | $177,621 | $2,517 | 2.79% |
| FHA | 160 | $27,400,000 | $171,250 | $5,972 | 2.99% |
| VA | 47 | $12,645,000 | $269,043 | $6,533 | 2.75% |
| USDA | 37 | $5,615,000 | $151,757 | $4,133 | 2.77% |
For the 2021 period, First Financial Bank's most frequently originated loan type of loans were Conventional, with 8,895 originations. Their 2nd most popular type is FHA, with 160 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 2,880 | $650,470,000 | $225,858 | $2,831 | 2.76% |
| Refi | 2,857 | $500,835,000 | $175,301 | $2,199 | 2.80% |
| Cash Out Refi | 1,187 | $240,655,000 | $202,742 | $2,895 | 3.02% |
| Other | 1,154 | $106,990,000 | $92,712 | $55 | 2.67% |
| Home Improvement | 1,061 | $126,645,000 | $119,364 | $3,610 | 2.75% |
For the 2021, First Financial Bank's most frequently cited loan purpose of loans were Home Purchase, with 2,880 originations. The 2nd most popular reason of loans were Refi, with 2,857 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 4,040 | $860,880,000 | $213,089 | $2,956 | 2.92% |
| Other | 3,278 | $383,260,000 | $116,919 | $1,080 | 2.56% |
| 15 Year | 1,046 | $166,730,000 | $159,398 | $2,304 | 2.65% |
| 20 Year | 400 | $62,640,000 | $156,600 | $2,182 | 3.39% |
| 10 Year | 310 | $37,000,000 | $119,355 | $1,317 | 3.07% |
| 5 Year | 46 | $76,770,000 | $1,668,913 | $27 | 3.96% |
| 1 Year | 8 | $5,330,000 | $666,250 | $0 | 4.34% |
| 3 Year | 7 | $31,335,000 | $4,476,429 | $0 | 4.31% |
| 30+ year | 4 | $1,650,000 | $412,500 | $5,884 | 3.63% |
For the 2021, First Financial Bank's most frequently cited loan length of loans were 30 Year, with 4,040 originations. The 2nd most popular length of loans were Other, with 3,278 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 3,166 | $483,530,000 | $152,726 |
| $1k-2k | 2,308 | $502,100,000 | $217,548 |
| $2k-3k | 271 | $108,045,000 | $398,690 |
| $3k-4k | 116 | $29,740,000 | $256,379 |
| $5k+ | 28 | $9,070,000 | $323,929 |
$2,956 of loans were First Financial Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 3,166 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 3,620 | $416,470,000 | $115,047 |
| 3-4% | 2,912 | $679,240,000 | $233,255 |
| 2.5-3% | 1,860 | $460,070,000 | $247,349 |
| 4-5% | 542 | $61,880,000 | $114,170 |
| 5-6% | 143 | $6,345,000 | $44,371 |
| 6-7% | 39 | $1,175,000 | $30,128 |
| 7-8% | 21 | $385,000 | $18,333 |
| Over 8% | 2 | $30,000 | $15,000 |
During 2021, First Financial Bank's average interest rate of loans were 2.92%, while their most frequently originated rate bucket of loans were <2.5%, with 3,620 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 3,525 | $182,605,000 | $51,803 | $1,354 | 2.56% |
| $100k-200k | 3,246 | $462,080,000 | $142,354 | $2,692 | 2.92% |
| $200k-400k | 1,798 | $483,830,000 | $269,093 | $3,396 | 2.94% |
| $400k-600k | 356 | $169,380,000 | $475,787 | $4,097 | 2.94% |
| $600k-1MM | 139 | $105,095,000 | $756,079 | $4,920 | 3.25% |
| $1MM+ | 75 | $222,605,000 | $2,968,067 | $7,370 | 3.20% |
2021 saw First Financial Bank place emphasis on $100,000 or less loans with 3,525 originations, totaling $182,605,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less | 2,222 | $207,040,000 | $93,177 | $2,066 | 2.64% |
| $50k-75k | 1,866 | $232,350,000 | $124,518 | $2,546 | 2.85% |
| $100k-150k | 1,658 | $274,260,000 | $165,416 | $2,851 | 2.84% |
| $75k-100k | 1,329 | $190,715,000 | $143,503 | $2,825 | 2.91% |
| $150k-250k | 1,206 | $284,710,000 | $236,078 | $3,264 | 2.77% |
| $250k+ | 682 | $277,410,000 | $406,760 | $4,314 | 2.80% |
First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 2,222 originations. The second most popular income band? $50k-75k, with 1,866 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 2,357 | $373,035,000 | $158,267 | $2,597 | 2.83% |
| 30-36% | 1,697 | $272,465,000 | $160,557 | $2,650 | 2.82% |
| <20% | 1,132 | $169,850,000 | $150,044 | $2,295 | 2.79% |
| 39% | 428 | $67,850,000 | $158,528 | $2,845 | 2.71% |
| 42% | 388 | $66,960,000 | $172,577 | $2,695 | 2.71% |
| 38% | 350 | $54,300,000 | $155,143 | $2,571 | 2.74% |
| 40% | 342 | $61,830,000 | $180,789 | $2,771 | 2.77% |
| 43% | 340 | $48,380,000 | $142,294 | $2,433 | 2.59% |
| 36% | 325 | $54,785,000 | $168,569 | $2,619 | 2.88% |
| 37% | 324 | $52,720,000 | $162,716 | $2,817 | 2.85% |
| 41% | 314 | $63,410,000 | $201,943 | $2,710 | 2.91% |
| 44% | 287 | $46,075,000 | $160,540 | $2,729 | 2.61% |
| 47% | 191 | $32,565,000 | $170,497 | $3,313 | 2.79% |
| 45% | 189 | $31,035,000 | $164,206 | $2,935 | 2.61% |
| 46% | 137 | $25,005,000 | $182,518 | $3,375 | 2.87% |
| 48% | 100 | $17,100,000 | $171,000 | $3,093 | 2.81% |
| 49% | 95 | $19,985,000 | $210,368 | $3,707 | 2.82% |
| 50-60% | 71 | $11,955,000 | $168,380 | $2,449 | 2.63% |
| >60% | 13 | $2,875,000 | $221,154 | $1,572 | 2.16% |
First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 2,357 originations. The next most common DTI ratio? 30-36%, with 1,697 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 7,710 | $1,237,070,000 | $160,450 | $2,607 | 2.77% |
| Not applicable | 56 | $150,030,000 | $2,679,107 | $0 | 3.87% |
| Not provided | 721 | $118,255,000 | $164,015 | $2,786 | 2.79% |
| Black | 433 | $68,085,000 | $157,240 | $2,932 | 3.06% |
| Asian | 177 | $43,155,000 | $243,814 | $3,162 | 2.95% |
| Native Hawaiian | 10 | $3,540,000 | $354,000 | $4,875 | 3.34% |
| American Indian | 19 | $2,875,000 | $151,316 | $2,692 | 3.10% |
| Asian Indian | 4 | $950,000 | $237,500 | $0 | 2.80% |
| Other Asian | 2 | $520,000 | $260,000 | $0 | 2.57% |
| Other Pacific Islander | 4 | $420,000 | $105,000 | $1,405 | 4.86% |
| Chinese | 1 | $355,000 | $355,000 | $0 | 1.99% |
| Japanese | 1 | $285,000 | $285,000 | $3,507 | 2.38% |
| Vietnamese | 1 | $55,000 | $55,000 | $0 | 1.99% |
Approval Rates
Total approvals of all applications76.61%
First Financial Bank has a below average approval rate.
Pick Rate
Approvals leading to origination88.26%
First Financial Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,139 | $1,625,595,000 | $177,874 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,139 | $1,625,595,000 | $177,874 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 1,608 | $194,850,000 | $121,175 | $1,720 | 2.60% |
| 40-60% | 1,350 | $226,200,000 | $167,556 | $2,304 | 2.73% |
| 60-80% | 2,247 | $568,055,000 | $252,806 | $2,918 | 3.02% |
| 80-100% | 2,288 | $564,050,000 | $246,525 | $3,365 | 3.21% |
| Over 100% | 13 | $4,035,000 | $310,385 | $12,321 | 3.17% |
| Under 20% | 1,629 | $64,805,000 | $39,782 | $90 | 2.13% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST FINANCIAL BANCORP | Other type of mortgage | Trouble during payment process | 1 | 25.0% |
| FIRST FINANCIAL BANCORP | Conventional home mortgage | Struggling to pay mortgage | 1 | 25.0% |
| FIRST FINANCIAL BANCORP | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
| FIRST FINANCIAL BANCORP | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 25.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First Financial Bank | 1015 South Main Street Centerville, OH 45458 | Full Service B&M | $107,214 |
| First Financial Bank | 1 East 4th Street Cincinnati, OH 45202 | Full Service B&M | $167,981 |
| First Financial Bank | 100 East Spring Street New Albany, IN 47150 | Full Service B&M | $94,190 |
| First Financial Bank | 101 East Elm Street Union City, OH 45390 | Full Service B&M | $56,793 |
| First Financial Bank | 101 West Washington Street Hartford City, IN 47348 | Full Service B&M | $46,733 |
| First Financial Bank | 10100 Montgomery Rd Cincinnati, OH 45242 | Full Service B&M | $100,046 |
| First Financial Bank | 1012 Bypass North Lawrenceburg, KY 40342 | Full Service B&M | $35,538 |
| First Financial Bank | 1012 South Adams Street Versailles, IN 47042 | Full Service B&M | $25,888 |
| First Financial Bank | 137 West Buckeye Street Clyde, OH 43410 | Full Service B&M | $53,232 |
| First Financial Bank | 13704 Shelbyville Road Louisville, KY 40245 | Full Service B&M | $45,144 |
| First Financial Bank | 139 S High Street Columbus, OH 43215 | Full Service B&M | $229,636 |
| First Financial Bank | 150 West Wilson Bridge Road Worthington, OH 43085 | Full Service B&M | $126,561 |
| First Financial Bank | 1580 West Main Street Troy, OH 45373 | Full Service B&M | $42,831 |
| First Financial Bank | 166 South Main Street Rockford, OH 45882 | Full Service B&M | $42,937 |
| First Financial Bank | 1734 Midland Trail Shelbyville, KY 40065 | Full Service B&M | $42,025 |
| First Financial Bank | 1850 Marketplace Boulevard Shelbyville, IN 46176 | Full Service B&M | $185,641 |
| First Financial Bank | 1865 Parsons Avenue Columbus, OH 43207 | Full Service B&M | $5,391 |
| First Financial Bank | 1901 North Lincoln Street Greensburg, IN 47240 | Full Service B&M | $62,801 |
| First Financial Bank | 1942 Havermann Road Celina, OH 45822 | Full Service B&M | $193,736 |
| First Financial Bank | 2000 West Court Street Kankakee, IL 60901 | Full Service B&M | $68,760 |
| First Financial Bank | 201 N Main Street Paulding, OH 45879 | Full Service B&M | $53,995 |
| First Financial Bank | 24004 Stateline Road Lawrenceburg, IN 47025 | Full Service B&M | $49,370 |
| First Financial Bank | 255 East Fifth Street Cincinnati, OH 45202 | Full Service B&M | $875,509 |
| First Financial Bank | 260 W Central Ave Springboro, OH 45066 | Full Service B&M | $63,422 |
| First Financial Bank | 2611 Highway Avenue Highland, IN 46322 | Full Service B&M | $198,450 |
| First Financial Bank | 2652 North Bend Road Hebron, KY 41048 | Full Service B&M | $63,731 |
| First Financial Bank | 2680 East Main Street Bexley, OH 43209 | Full Service B&M | $106,504 |
| First Financial Bank | 2705 169th Street Hammond, IN 46323 | Full Service B&M | $95,776 |
| First Financial Bank | 2712 Vine Street Cincinnati, OH 45219 | Full Service B&M | $18,035 |
| First Financial Bank | 2735 Bardstown Road Louisville, KY 40205 | Full Service B&M | $35,767 |
| First Financial Bank | 2737 Central Avenue Columbus, IN 47201 | Full Service B&M | $228,477 |
| First Financial Bank | 2750 45th Street Highland, IN 46322 | Full Service B&M | $201,907 |
| First Financial Bank | 28287 State Route 1 West Harrison, IN 47060 | Full Service B&M | $32,613 |
| First Financial Bank | 3539 East 10th Street Jeffersonville, IN 47130 | Full Service B&M | $24,122 |
| First Financial Bank | 358 West Main Street Rossville, IN 46065 | Full Service B&M | $50,814 |
| First Financial Bank | 3580 Madison Pike Edgewood, KY 41017 | Full Service B&M | $59,495 |
| First Financial Bank | 3610 Grant Line Road New Albany, IN 47150 | Full Service B&M | $44,749 |
| First Financial Bank | 3669 Springdale Road Cincinnati, OH 45251 | Full Service B&M | $58,324 |
| First Financial Bank | 3723 Glenmore Ave Cincinnati, OH 45211 | Full Service B&M | $87,553 |
| First Financial Bank | 3880 West Presidential Way Edinburgh, IN 46124 | Full Service B&M | $47,802 |
| First Financial Bank | 3950 Jonathon Moore Pike Columbus, IN 47201 | Full Service B&M | $109,222 |
| First Financial Bank | 4079 Hamilton Cleves Road Fairfield, OH 45014 | Full Service B&M | $72,390 |
| First Financial Bank | 41 West Eads Pkwy Lawrenceburg, IN 47025 | Full Service B&M | $52,441 |
| First Financial Bank | 411 South Locust Street Oxford, OH 45056 | Full Service B&M | $136,796 |
| First Financial Bank | 417 Jefferson Street Madison, IN 47250 | Full Service B&M | $64,046 |
| First Financial Bank | 585 Anderson Ferry Road Cincinnati, OH 45238 | Full Service B&M | $40,491 |
| First Financial Bank | 5974 W Ridge Road Gary, IN 46408 | Full Service B&M | $19,300 |
| First Financial Bank | 600 South Memorial Drive New Castle, IN 47362 | Full Service B&M | $77,444 |
| First Financial Bank | 6001 Hamilton Avenue Cincinnati, OH 45224 | Full Service B&M | $5,828 |
| First Financial Bank | 6060 South Gilmore Road Fairfield, OH 45014 | Full Service B&M | $109,458 |
| First Financial Bank | 630 Central Avenue Connersville, IN 47331 | Full Service B&M | $76,148 |
| First Financial Bank | 6300 Harrison Avenue Cincinnati, OH 45247 | Full Service B&M | $49,664 |
| First Financial Bank | 6325 Brandt Pike Huber Heights, OH 45424 | Full Service B&M | $47,638 |
| First Financial Bank | 635 South Market Street Troy, OH 45373 | Full Service B&M | $125,801 |
| First Financial Bank | 647 Fife Avenue Wilmington, OH 45177 | Full Service B&M | $49,567 |
| First Financial Bank | 6512 Bardstown Road Louisville, KY 40291 | Full Service B&M | $29,297 |
| First Financial Bank | 6801 Miami Avenue Cincinnati, OH 45243 | Full Service B&M | $97,215 |
| First Financial Bank | 817 East Columbia Street Flora, IN 46929 | Full Service B&M | $46,910 |
| First Financial Bank | 8475 North State Road 9 Hope, IN 47246 | Full Service B&M | $42,444 |
| First Financial Bank | 8601 Landen Drive Maineville, OH 45039 | Full Service B&M | $103,688 |
| First Financial Bank | 8740 South Emerson Avenue Indianapolis, IN 46237 | Full Service B&M | $77,504 |
| First Financial Bank | 9014 State Road 101 Brookville, IN 47012 | Full Service B&M | $65,955 |
| First Financial Bank | 9050 East 56th Street Indianapolis, IN 46216 | Full Service B&M | $50,113 |
| First Financial Bank | 9120 Union Centre Boulevard West Chester, OH 45069 | Full Service B&M | $250,620 |
| First Financial Bank | 926 East Mcmillan Street Cincinnati, OH 45206 | Full Service B&M | $2,511 |
| First Financial Bank | 9306 Taylorsville Road Louisville, KY 40299 | Full Service B&M | $25,219 |
| First Financial Bank | 936 North Main Street Crown Point, IN 46307 | Full Service B&M | $127,831 |
| First Financial Bank | 9554 E Us Highway 36 Avon, IN 46123 | Full Service B&M | $60,825 |
| First Financial Bank | Limaburg Road And Jones Circle Burlington, KY 41005 | Full Service B&M | $81,872 |
| First Financial Bank | 1130 East Tipton Street Seymour, IN 47274 | Full Service B&M | $117,764 |
| First Financial Bank | 1163 South Shannon Street Van Wert, OH 45891 | Full Service B&M | $115,904 |
| First Financial Bank | 117 South Jefferson Street Hartford City, IN 47348 | Limited, Drive-thru | $0 |
| First Financial Bank | 1180 W. 86th Street Indianapolis, IN 46260 | Full Service B&M | $73,233 |
| First Financial Bank | 120 North Monroe Street Williamsport, IN 47993 | Full Service B&M | $46,013 |
| First Financial Bank | 120 W. Second Street Dayton, OH 45402 | Full Service B&M | $66,133 |
| First Financial Bank | 122 West Washington Street Greensburg, IN 47240 | Limited, Drive-thru | $0 |
| First Financial Bank | 125 East State Street Trenton, OH 45067 | Full Service B&M | $85,087 |
| First Financial Bank | 125 Third Street Columbus, IN 47201 | Full Service B&M | $413,228 |
| First Financial Bank | 130 East Spring Street Saint Marys, OH 45885 | Full Service B&M | $81,202 |
| First Financial Bank | 1315 Clifty Drive Madison, IN 47250 | Full Service B&M | $34,921 |
| First Financial Bank | 136 East Harriman Bargersville, IN 46106 | Full Service B&M | $67,658 |
| First Financial Bank | 136 Thornton Road Hanover, IN 47243 | Full Service B&M | $35,160 |
| First Financial Bank | 201 North Broadway Greensburg, IN 47240 | Full Service B&M | $147,773 |
| First Financial Bank | 202 North Harrison Street Alexandria, IN 46001 | Full Service B&M | $48,173 |
| First Financial Bank | 202 North Main Street Delphos, OH 45833 | Full Service B&M | $67,638 |
| First Financial Bank | 202 North Main Street Rushville, IN 46173 | Full Service B&M | $144,603 |
| First Financial Bank | 215 East Main Street Delphi, IN 46923 | Full Service B&M | $41,230 |
| First Financial Bank | 216 South Fourth Street Watseka, IL 60970 | Full Service B&M | $31,455 |
| First Financial Bank | 220 North Wayne Street Fort Recovery, OH 45846 | Full Service B&M | $116,052 |
| First Financial Bank | 220 S. Newton St Goodland, IN 47948 | Full Service B&M | $61,067 |
| First Financial Bank | 221 E Main Street Crawfordsville, IN 47933 | Full Service B&M | $43,364 |
| First Financial Bank | 225 Pictoria Drive Springdale, OH 45246 | Full Service Cyber Office | $117 |
| First Financial Bank | 2253 State Road 54 East Linton, IN 47441 | Full Service B&M | $66,533 |
| First Financial Bank | 230 Main Street Rising Sun, IN 47040 | Full Service B&M | $44,681 |
| First Financial Bank | 2344 South Erie Highway Hamilton, OH 45011 | Full Service B&M | $94,581 |
| First Financial Bank | 2862 Frankfort Avenue Louisville, KY 40206 | Full Service B&M | $26,148 |
| First Financial Bank | 2891 W. Alex Bell Road Dayton, OH 45459 | Full Service B&M | $29,937 |
| First Financial Bank | 293 North Hubbards Lane Louisville, KY 40207 | Full Service B&M | $131,647 |
| First Financial Bank | 300 High Street Hamilton, OH 45011 | Full Service B&M | $264,807 |
| First Financial Bank | 300 North Main Street Middletown, OH 45042 | Full Service B&M | $134,571 |
| First Financial Bank | 3005 Northwest Boulevard Columbus, OH 43221 | Full Service B&M | $68,010 |
| First Financial Bank | 3205 East Third Street Bloomington, IN 47401 | Full Service B&M | $24,162 |
| First Financial Bank | 323 East Main Street Hoopeston, IL 60942 | Full Service B&M | $29,553 |
| First Financial Bank | 330 West National Road Englewood, OH 45322 | Full Service B&M | $70,218 |
| First Financial Bank | 3433 East Main Street Richmond, IN 47374 | Full Service B&M | $30,632 |
| First Financial Bank | 3442 Edwards Road Cincinnati, OH 45208 | Full Service B&M | $67,223 |
| First Financial Bank | 3535 East 96th Street, Suite 135 Indianapolis, IN 46240 | Full Service B&M | $29,326 |
| First Financial Bank | 4391 Far Hills Avenue Kettering, OH 45429 | Full Service B&M | $106,872 |
| First Financial Bank | 450 West Lincoln Highway Schererville, IN 46375 | Full Service B&M | $248,400 |
| First Financial Bank | 4801 N Main St Dayton, OH 45405 | Full Service B&M | $14,627 |
| First Financial Bank | 50 Branigin Road Franklin, IN 46131 | Full Service B&M | $94,851 |
| First Financial Bank | 501 Clifty Drive Madison, IN 47250 | Full Service B&M | $128,741 |
| First Financial Bank | 521 North State Street North Vernon, IN 47265 | Full Service B&M | $95,007 |
| First Financial Bank | 5300 Pleasant Avenue Fairfield, OH 45014 | Full Service B&M | $195,728 |
| First Financial Bank | 536 N College Ave Bloomington, IN 47404 | Full Service B&M | $429,887 |
| First Financial Bank | 5361 Cornerstone North Blvd. Centerville, OH 45440 | Full Service B&M | $32,680 |
| First Financial Bank | 547 High Street Worthington, OH 43085 | Full Service B&M | $49,873 |
| First Financial Bank | 555 East Third Street Hobart, IN 46342 | Full Service B&M | $85,419 |
| First Financial Bank | 5550 Cheviot Road Cincinnati, OH 45239 | Full Service B&M | $57,510 |
| First Financial Bank | 5712 Bridgetown Rd. Cincinnati, OH 45248 | Full Service B&M | $81,367 |
| First Financial Bank | 6945 South Liberty Drive Liberty Township, OH 45044 | Full Service B&M | $82,036 |
| First Financial Bank | 707 Creekview Drive Columbus, IN 47201 | Full Service B&M | $77,758 |
| First Financial Bank | 720 Nw Washington Blvd Hamilton, OH 45013 | Full Service B&M | $130,285 |
| First Financial Bank | 7470 South Mason-Montgomery Road Mason, OH 45040 | Full Service B&M | $126,751 |
| First Financial Bank | 751 City Center Drive Carmel, IN 46032 | Full Service B&M | $126,163 |
| First Financial Bank | 7522 Hamilton Avenue Mount Healthy, OH 45231 | Full Service B&M | $53,219 |
| First Financial Bank | 7615 Reading Rd Cincinnati, OH 45237 | Full Service B&M | $44,006 |
| First Financial Bank | 7637 Beechmont Avenue Cincinnati, OH 45255 | Full Service B&M | $39,836 |
| First Financial Bank | 7700 State Road 64 Georgetown, IN 47122 | Full Service B&M | $65,289 |
| First Financial Bank | 7735 Montgomery Road Cincinnati, OH 45236 | Full Service B&M | $66,983 |
| First Financial Bank | 7795 Tylersville Road West Chester, OH 45069 | Full Service B&M | $47,132 |
| First Financial Bank | 815 South Breiel Boulevard Middletown, OH 45044 | Full Service B&M | $144,233 |
| First Financial Bank | 102 W Main Street Vevay, IN 47043 | Full Service B&M | $53,868 |
| First Financial Bank | 102 West Main Street Hagerstown, IN 47346 | Full Service B&M | $38,748 |
| First Financial Bank | 104 E Link's Way Aurora, IN 47001 | Full Service B&M | $65,002 |
| First Financial Bank | 104 S Chiles St Harrodsburg, KY 40330 | Full Service B&M | $38,823 |
| First Financial Bank | 10425 Harrison Avenue Harrison, OH 45030 | Full Service B&M | $120,913 |
| First Financial Bank | 1053 State Road 229 North Batesville, IN 47006 | Full Service B&M | $100,347 |
| First Financial Bank | 106 North Market Street North Manchester, IN 46962 | Full Service B&M | $75,363 |
| First Financial Bank | 108 South Main Street Monroe, OH 45050 | Full Service B&M | $57,053 |
| First Financial Bank | 11 South Meridian, Ste 101 Indianapolis, IN 46204 | Full Service B&M | $164,767 |
| First Financial Bank | 1101 Columbus Ave Lebanon, OH 45036 | Full Service B&M | $71,044 |
| First Financial Bank | 112 North Meridian Street Portland, IN 47371 | Full Service B&M | $55,723 |
| First Financial Bank | 113 Central Avenue Van Wert, OH 45891 | Limited, Drive-thru | $0 |
For 2021, First Financial Bank had 144 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $483,133 |
| Net interest income | $467,934 |
| Total noninterest income | $166,007 |
| Gross Fiduciary activities income | $18,609 |
| Service charges on deposit accounts | $31,876 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $115,522 |
| Pre-tax net operating income | $270,871 |
| Securities gains (or losses, -) | $-506 |
| Income before extraordinary items | $227,040 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $227,040 |
| Minority interest net income | $10 |
| Net income | $227,030 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $227,465 |
First Financial Bank's gross interest income from loans was $483,133,000.
First Financial Bank's net interest income from loans was $467,934,000.
First Financial Bank's fee based income from loans was $31,876,000.
First Financial Bank's net income from loans was $227,030,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $15,199 |
| Provision for credit losses | $-18,120 |
| Total noninterest expense | $381,190 |
| Salaries and employee benefits | $236,140 |
| Premises and equipment expense | $35,944 |
| Additional noninterest expense | $109,106 |
| Applicable income taxes | $43,325 |
| Net charge-offs | $24,680 |
| Cash dividends | $200,000 |
First Financial Bank's interest expense for loans was $15,199,000.
First Financial Bank's payroll and benefits expense were $236,140,000.
First Financial Bank's property, plant and equipment expenses $35,944,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.4% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $12,926,899 |
| Deposits held in domestic offices | $12,926,899 |
| Deposits by Individuals, partnerships, and corporations | $10,812,838 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $2,113,808 |
| Deposits by Commercial banks and other depository institutions in U.S. | $252 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $3,383,295 |
| Demand deposits | $3,194,143 |
| Nontransaction accounts | $9,543,603 |
| Money market deposit accounts (MMDAs) | $6,853,353 |
| Other savings deposits (excluding MMDAs) | $1,359,133 |
| Total time deposits | $1,331,117 |
| Total time and savings deposits | $9,732,755 |
| Noninterest-bearing deposits | $4,240,517 |
| Interest-bearing deposits | $8,686,382 |
| Retail deposits | $12,434,628 |
| IRAs and Keogh plan accounts | $218,132 |
| Brokered deposits | $296,645 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $16,244,199 |
| Cash & Balances due from depository institutions | $428,734 |
| Interest-bearing balances | $234,607 |
| Total securities | $4,325,416 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $9,185,789 |
| Loan and leases loss allowance | $131,992 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $248,860 |
| Other real estate owned | $98 |
| Goodwill and other intangibles | $1,041,310 |
| All other assets | $1,013,992 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $16,244,199 |
| Total Liabilities | $13,797,911 |
| Total deposits | $12,926,899 |
| Interest-bearing deposits | $8,686,382 |
| Deposits held in domestic offices | $12,926,899 |
| % insured (estimated) | $55 |
| Federal funds purchased and repurchase agreements | $51,203 |
| Trading liabilities | $0 |
| Other borrowed funds | $323,968 |
| Subordinated debt | $7,500 |
| All other liabilities | $488,341 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $9,185,789 |
| Loan and leases loss allowance | $131,992 |
| Total loans and leases (domestic) | $9,317,781 |
| All real estate loans | $6,276,165 |
| Real estate loans in domestic offices | $6,276,165 |
| Construction and development loans | $467,572 |
| Residential 1-4 family construction | $64,971 |
| Other construction, all land development and other land | $402,601 |
| Loans secured by nonfarm nonresidential properties | $3,246,589 |
| Nonfarm nonresidential secured by owner-occupied properties | $955,662 |
| Commercial real estate & other non-farm, non-residential | $2,290,927 |
| Multifamily residential real estate | $734,515 |
| 1-4 family residential loans | $1,733,046 |
| Farmland loans | $94,443 |
| Loans held in foreign offices | $0 |
| Farm loans | $48,587 |
| Commercial and industrial loans | $2,245,888 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $138,331 |
| Credit card loans | $22,551 |
| Related Plans | $4,905 |
| Consumer Auto Loans | $16,396 |
| Other loans to individuals | $94,479 |
| All other loans & leases | $608,810 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $390,982 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $310,042 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $5,601 |
| Non 1-4 family restructured loans & leases | $1,628 |
| Total loans and leases (foreign) | $0 |
First Financial Bank had $9,185,789,000 of loans outstanding in 2021. $6,276,165,000 of loans were in real estate loans. $467,572,000 of loans were in development loans. $734,515,000 of loans were in multifamily mortgage loans. $1,733,046,000 of loans were in 1-4 family mortgage loans. $48,587,000 of loans were in farm loans. $22,551,000 of loans were in credit card loans. $16,396,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 2,148 | $480,790 | $223,831 |
| Nonfarm, nonresidential loans - <$100k | 366 | $13,307 | $36,358 |
| Nonfarm, nonresidential loans - $100-250k | 676 | $73,359 | $108,519 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,106 | $394,124 | $356,351 |
| Commercial & Industrial, US addressed loans - <$1MM | 6,334 | $537,198 | $84,812 |
| Commercial & Industrial, US addressed loans - <$100k | 4,101 | $78,205 | $19,070 |
| Commercial & Industrial, US addressed loans - $100-250k | 1,012 | $89,079 | $88,023 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,221 | $369,914 | $302,960 |
| Farmland loans - <$1MM | 344 | $39,673 | $115,328 |
| Farmland loans - <$100k | 95 | $2,536 | $26,695 |
| Farmland loans - $100-250k | 164 | $16,190 | $98,720 |
| Farmland loans - $250k-1MM | 85 | $20,947 | $246,435 |
| Agriculture operations loans - <$1MM | 427 | $21,506 | $50,365 |
| Agriculture operations loans - <$100k | 314 | $6,001 | $19,111 |
| Agriculture operations loans - $100-250k | 63 | $5,825 | $92,460 |
| Agriculture operations loans - $250k-1MM | 50 | $9,680 | $193,600 |
